Best Personal Loan Rates in Portland, Maine (ME) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Portland, Maine include: Town & Country Federal Credit UnionTown & Country Federal Credit Union3 Auburn St, Portland, ME, 04103A+5.0 ★Texas Ratio: 3.10% offering Heating Fuel Loan at 5.99% APR, cPort Credit UnioncPort Credit Union50 Riverside Industrial Pkwy, Portland, ME, 04103A5.0 ★Texas Ratio: 6.99% offering Energy Loan Up to 12 Months at 6.99% APR, TD BankTD Bank1410 Congress St, Portland, ME, 04102A5.0 ★Texas Ratio: 6.30% offering Personal Loan at 7.99% APR, NBT BankNBT Bank5 Widgery Wharf Fl 3, Portland, ME, 04101A+5.0 ★Texas Ratio: 1.76% offering Personal Loan Unsecured at 8.59% APR, and Bangor Savings BankBangor Savings Bank1071 Brighton Ave, Portland, ME, 04102A+5.0 ★Texas Ratio: 2.55% offering Investment Property Loan at 8.75% APR. Personal loan rates as of April 9, 2026 according to verified data from MonitorBankRates.
Portland has 9 local institutions in our database, with personal loan rates as low as 5.99% APR from Town & Country Federal Credit Union at 3 Auburn St, Portland, ME, 04103. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Portland, Maine.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Portland, Maine. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 9, 2026
As Low As
As Low As
As Low As; *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
As Low As; Your rate will be determined by your creditworthiness. 12 monthly payments of $86.52 per $1,000 borrowed at the As Low As rate and maximum term. Membership eligibility to join cPort is required.
As Low As
Tax Relief Loan for up to $10,000 for one year
As Low As
As Low As; *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
As Low As
As Low As
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
As Low As
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 03/23/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000 ($5,000 for automobile loans), minimum credit score is 730, and maximum term is 36 months (48 months for automobile loans). Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
Loan Amount ?$10,000; Collateral Type Investment Property (60% LTV) Max $250,000; (Prime + 2.00%)
No additional details available.
As Low As
As Low As
As Low As; *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
As Low As
As Low As; *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
As Low As
No additional details available.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Rates are fixed for the life of the loan.
As Low As; *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
As Low As
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
As Low As
As Low As
As Low As
$1000; Qualified My Linc Program
$500; Qualified My Linc Program
$300.00 Visa® Gift Card!
As Low As
As Low As; Up to 60 Months
No additional details available.
No additional details available.
Tiered based on credit score. As of 6/13/25, subject to change at any time.
As Low As; Rates subject to credit approval, terms and conditions subject to change at any time, based on individual creditworthiness. APR = Annual Percentage Rate, "up-to" subject to approval, "starting at" subject to creditworthiness. Accurate as of 12/3/25 subject to change at any time.
No additional details available.
As Low As
Tiered based on credit score. As of 6/13/25, subject to change at any time.
As Low As
No additional details available.
No additional details available.
As Low As; Rates start at 6.75% APR*
No additional details available.
As Low As
Available for a Limited Time Only
No additional details available.
No additional details available.
As Low As; Heating & Winterization Loans have a tiered rate of 7.49% APR, with terms up to 60 months. Actual rate and approval are based on creditworthiness. Estimates may be required. Funds will be paid directly to the vendor or contractor. Loan subject to credit approval. Membership eligibility required. Other restrictions may apply.
Tiered based on credit score. As of 6/13/25, subject to change at any time.
No additional details available.
As Low As
No additional details available.
As Low As
90% Max Loan to Value; 0 Points
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
90% Max Loan to Value; 0 Points
Tiered based on credit score. As of 6/13/25, subject to change at any time.
As Low As
As Low As
Limit $25,000 up to 20 yrs.
As Low As
No additional details available.
Eligible My Link Program Member; Credit Rating 720+
As Low As
As Low As; Terms from 6 to 60 months
Eligible My Link Program Member; Credit Rating 680-719
As Low As
No additional details available.
Credit Rating 720+
As Low As
As Low As
As Low As; Index Used: Prime (plus); Margin Used (for "as low as rate"): 2.99%; Floor: The floor equals the margin in effect
Credit Rating 680-719
As Low As
Eligible My Link Program Member; Credit Rating 640-679
As Low As
As Low As
As Low As
Credit Rating 640-679
$500-$25000 60 mos.
No additional details available.
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
Eligible My Link Program Member; Credit Rating 600-639
As Low As
As Low As
As Low As; Maximum loan amount is $30,000. Certain restrictions may apply.
As Low As
Credit Rating 600-639
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
Credit Builder Loan provides funds for shared secured loan to help build or rebuild credit. Rates are effective 11/01/2023 and subject to change without notice. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrowers term and credit worthiness. All rates and loans are subject to credit approval. Other terms and rates may be available. Contact an SVCU loan officer for more information.
As Low As
As Low As
As Low As
As Low As
Eligible My Link Program Member; Credit Rating 550-599
Credit Rating 550-599
No additional details available.
As Low As; 12 Months
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 03/23/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000 ($5,000 for automobile loans), minimum credit score is 730, and maximum term is 36 months (48 months for automobile loans). Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
No additional details available.
Eligible My Link Program Member; Credit Rating 720+
As Low As
As Low As; Terms from 6 to 60 months
Eligible My Link Program Member; Credit Rating 680-719
As Low As
Credit Rating 720+
As Low As
As Low As
Credit Rating 680-719
As Low As
Eligible My Link Program Member; Credit Rating 640-679
As Low As
As Low As
Credit Rating 640-679
$500-$25000 60 mos.
No additional details available.
As Low As
As Low As
As Low As
As Low As
No additional details available.
Eligible My Link Program Member; Credit Rating 600-639
As Low As
Credit Rating 600-639
No additional details available.
Eligible My Link Program Member; Credit Rating 550-599
Credit Rating 550-599
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
As Low As; Index Used: Prime (plus); Margin Used (for "as low as rate"): 2.99%; Floor: The floor equals the margin in effect
As Low As; Maximum loan amount is $30,000. Certain restrictions may apply.
As Low As
As Low As
As Low As
As Low As
Portland, ME Personal Loan Rate Trends
Compare local Portland, ME personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Maine personal loan rates rose 0.284 points over the past 7 days to 9.812% APR.
Maine signature loan rates fell 0.036 points over the past 7 days to 11.085% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Maine?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Maine?
Are credit unions or banks better for personal loans in Portland, Maine?
What are the best personal loan rates in Portland, Maine?
- Town & Country Federal Credit Union: 5.99% (Heating Fuel Loan)
- cPort Credit Union: 6.99% (Energy Loan Up to 12 Months)
- TD Bank: 7.99% (Personal Loan)
- NBT Bank: 8.59% (Personal Loan Unsecured)
- Bangor Savings Bank: 8.75% (Investment Property Loan)
Personal Loan Calculators
